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For sale
    • Price increase: $159K (7/27)
    $385,000

    3 Elm Ct, Palmyra, VA 22963

    5beds
    3,370sqft
    : 
    $2,497/mo
    Get pre-qualified
    Single Family Residence
    Built in 1988
    1.18 Acres Lot
    $382,000 Zestimate®
    $114/sqft
    $100/mo HOA

    What's special

    Storage shedCovered porch
    GATED LAKE MONTICELLO POOL HOME ON 1.18± ACRES — 3 ELM CT, PALMYRA, VA 5 Bed | 4 Bath | 3,370± SF + Finished Basement | Saltwater Pool | 1.18± Acre Lot A rare find in one of Central Virginia's premier gated lake communities: a spacious, structurally sound home with a saltwater pool, an oversized lot, and room to grow — priced to sell with updates factored into the Reserve. Live in it now, upgrade on your terms. On public water/sewer, low-risk flood zone. Roof, HVAC, and water heater are near end of life and reflected in pricing — buy right and capture the equity yourself instead of paying a flipper's markup. STANDOUT FEATURES: In-ground saltwater pool (792± SF), pump ~5 years old - 1.18± acre lot — nearly double neighboring parcels- Two decks (626± & 528± SF), covered porch, storage shed- 3,370± SF finished living space plus 778± SF finished basement- Heat pump w/ central air, block foundation, composition roof- LAKE MONTICELLO LIFESTYLE: Gated, privately patrolled community on a 350-acre lake with 5 beaches, marina, boat launches/slips. 18-hole golf course & Fairway Clubhouse, Ashlawn Clubhouse pool, pickleball, tennis, basketball, playgrounds, walking trails, and The Bistro dining — all for ~$1,200/yr HOA. Zoned for Fluvanna County Schools (B+ Niche rating). ~15 miles / 30 min to Charlottesville & UVA. IDEAL FOR: Investors, flippers, contractors, owner-occupants, and 203(k)/renovation-loan buyers seeking more house, more land, and more amenities in a community people pay to join. RealAVM™ $582,300 | Confidence Score 93 | Range $542,200–$622,300 | As of 06/08/2026
    55 days
    1,855
    163

    Likely to sell faster than

    Zillow last checked:

    Listing updated:

    Listed by:

    Tim Dudley 757-288-1854,

    Dudley Resources 804-709-1954,

    Philip Bonnie 757-651-1729,

    Dudley Resources

    Source: CVRMLS,MLS#: 2618384MLS LogoOriginating MLS: Central Virginia Regional MLS

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 5
      • Bathrooms: 4
      • Full bathrooms: 3
      • 1/2 bathrooms: 1
      Other
      • Description: Tub & Shower
      • Level: First
      Other
      • Description: Tub & Shower
      • Level: Second
      Half bath
      • Level: First
      Heating
      • Electric, Forced Air
      Cooling
      • Central Air, Attic Fan
      Appliances
      • Included: Cooktop, Dryer, Dishwasher, Electric Water Heater, Freezer, Ice Maker, Microwave, Range, Refrigerator, Stove, Washer
      Features
      • Bookcases, Built-in Features, Bedroom on Main Level, Breakfast Area, Bay Window, Ceiling Fan(s), Dining Area, Separate/Formal Dining Room, Double Vanity, Eat-in Kitchen, Granite Counters
      • Flooring: Ceramic Tile, Partially Carpeted, Wood
      • Windows: Screens
      • Basement: Finished,Garage Access,Heated
      • Attic: Access Only,Expandable
      Interior area
      • Total interior livable area: 3,370 sqft
      • Finished area above ground: 2,592
      • Finished area below ground: 778
      Video & virtual tour

      Property

      Parking
      • Total spaces: 2
      • Parking features: Attached, Direct Access, Driveway, Garage, Garage Door Opener, Oversized, Paved, Workshop in Garage, Boat, RV Access/Parking
      • Attached garage spaces: 2
      • Has uncovered spaces: Yes
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Balcony, Rear Porch, Deck, Porch
      • Exterior features: Deck, Lighting, Porch, Storage, Shed, Paved Driveway
      • Pool features: Concrete, Fenced, In Ground, None, Community
      Lot
      • Size: 1.18 Acres
      • Features: Cul-De-Sac
      Details
      • Additional structures: Shed(s)
      • Parcel number: 18A399
      • Zoning description: R-4

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: A-Frame,Two Story
      • Property subtype: Single Family Residence
      Materials
      • Block, Drywall, Concrete, Plaster, Wood Siding
      • Roof: Composition,Shingle
      Condition
      • Resale
      • New construction: No
      • Year built: 1988

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public

      Community & HOA

      Community
      • Features: Beach, Boat Facilities, Clubhouse, Community Pool, Deck/Porch, Dock, Fitness, Golf, Gated, Lake, Marina, Pond, Pool, Trails/Paths
      • Security: Controlled Access, Gated Community, Smoke Detector(s), Security Guard
      • Subdivision: Lake Monticello
      HOA
      • Has HOA: Yes
      • Amenities included: Landscaping, Management
      • Services included: Clubhouse, Common Areas, Pool(s), Recreation Facilities, Road Maintenance, Snow Removal, Trash, Water, Water Access
      • HOA fee: $1,200 annually
      Location
      • Region: Palmyra

      Financial & listing details

      • Price per square foot: $114/sqft
      • Tax assessed value: $471,114
      • Annual tax amount: $3,533
      • Date on market: 7/5/2026
      • Ownership: Individuals
      • Ownership type: Sole Proprietor

        Estimated market value

        $382,000

        $363,000 - $401,000

        $3,787/mo

        Price history

        DateEventPrice
        7/27/2026Price change$385,000+70.4%$114/sqft
        Source: CVRMLS #2618384 Report a problem
        7/24/2026Price change$226,000+22.2%$67/sqft
        Source: CVRMLS #2618384 Report a problem
        7/6/2026Listed for sale$185,000+32.6%$55/sqft
        Source: CVRMLS #2618384 Report a problem
        8/1/1996Sold$139,500$41/sqft
        Source: Agent Provided Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2024$3,047 $361,000
        2023$3,047 $361,000 +16.9%
        2022-- $308,700
        2021-- $308,700
        2020-- $308,700 +13.6%
        2018$2,399 $271,800
        2017$2,399 $271,800 -2.7%
        2016$2,399 $279,200
        2015$2,399 +10.7%$279,200 +2.4%
        2014$2,167 +2.5%$272,600
        2013$2,114 $272,600 -26.5%
        2012-- $370,900
        2011$2,003 $370,900
        2010-- $370,900
        2009-- $370,900
        2008-- $370,900
        2007-- $370,900 +30%
        2006-- $285,400
        2005-- $285,400 +47.3%
        2004-- $193,700
        2003-- $193,700
        2002-- $193,700 +32%
        2001$1,042 $146,700
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
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        Climate risks

        Neighborhood: 22963

        Getting around

        2 / 100
        Car-Dependent
        14 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Cunningham
        • Middle: Fluvanna
        • High: Fluvanna

        Source: CVRMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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